Payments platform and APIs

Our payments promise

At Square, we do everything we can to make accepting cards as fast, painless and secure as possible. We don’t charge you monthly fees or lock you into long-term contracts. We’re here to make sure you get paid fast and stay secure without having to worry about it. And that’s it.

Get paid fast, every time

Get your money in your bank account as soon as the next working day

Never miss a sale again with the ability to accept payments wherever you are, even when you don't have an internet connection.

Keep an eye on your cash flow with real-time updates about your sales and inventory.

Spend less time and money on your payments

Sign up and start taking payments with Square in minutes. No bank visits or merchant accounts required.

There aren’t any monthly fees, statement fees, chargeback fees or any other small print. You pay only when you make a sale.

When payment disputes occur, our team of experts deals with the bank for you so you can focus on more important things, like your customers.

Here to help you succeed

Speak with a real person when something’s not right. Our in-house phone support is available Monday–Friday from 6 a.m. to 6 p.m. PT, or you can email them anytime, 24/7.

Have a quick question? Search our Support Center from the point of sale 24/7, including tutorial videos.

Connect with and learn from other sellers in our Seller Community.

'Square is honest, transparent, helpful and available. Square saved me money by getting rid of all the hidden fees I used to pay and protecting me when I experienced a dispute. It’s so simple I don’t even need an accountant. My customers feel empowered to pay the way they want which has helped grow my business.'

- Tara Koshman, Petals N Buds, Victoria, BC

Four things to know about our pricing

Consistent pricing

Different payment methods have different pricing, but once you choose yours, that rate doesn’t change. What you see is what you pay.

Clear pricing

No complicated bills to deal with at the end of the month. You can log in and see your Square rate at any time in your Dashboard.

One rate for every card

No different rates for different credit cards. Visa, Mastercard, Discover, American Express and international cards—all the same

It’s payments, Squared

When comparing payment processors, there are many things to consider. Square takes care of many things for you that banks and other processors do not.

Keep it simple

No contracts or early termination fees

No setup or startup fees

No monthly payment processing fees

No statement or reporting fees

No additional fees for American Express, corporate or international cards

No refund fees

No chargeback fees

Make it easy

All-in-one setup (no merchant account needed)

Next-day deposits

Integrated readers and POS software

Integrated online and offline payments

Free reader for magstripe cards

Real-time analytics built in

Ensure it’s safe

Data security (PCI) compliance covered

Free dispute management

Active fraud prevention and notification of suspicious activity

End-to-end encryption

Learn more about the different ways to accept card payments

Choosing the best payment processing solution can be confusing. So we broke down the different options for merchant services (accepting credit cards), from banks to resellers to Square. It’s a big decision that can cost (or save) you thousands of dollars, so we want you to be as informed as possible.

Save time and money

We’ve built our payments system from the ground up to be fast, reliable and easy, so payments are one less thing for you to worry about.

Simple and transparent pricing

Different products at Square have different transaction pricing, but two things are true: First, once you choose the best product for your business, what you pay is consistent, regardless of how many disputes you experience or how many refunds you issue. Second, that rate is easily confirmed in your Square Dashboard, which you can log into at any time, from any device.

No monthly fees for payment processing

We don’t advertise a low transaction rate and then secretly charge a series of hidden fees. When we say no monthly fees, we mean it: no application fee to get started, no terminal leasing fees for our hardware, no monthly minimum fees to penalize you for slower months, no statement fees for you to access your fee statements, no online reporting fees to access your sales or deposits data, or any other recurring fees. Finally, our hardware and software complies with industry data security standards, and we don’t charge fees for that, either (often called PCI compliance or data security fees).

All-in-one set up

Quickly and easily set up your business to accept credit cards, without going to the bank or entering a contract. With Square, we do the legwork for you—account creation and verification takes minutes, and you can start taking payments right away.

Dispute management

If your customer disputes a transaction with their bank, most payment processors pass on the costs of bank fees and charge you a fee of their own. We don’t pass on any of these fees to you. We also manage the time-consuming, stressful work of dealing with your customer’s bank for you. We’ve saved Square sellers $330 million since 2011 by managing and winning their disputes for them.

Get prepared

We help you understand which documents you need to mount a good challenge with your customer’s bank.

Here to help

Our team of dispute experts is standing by to answer your questions.

Monitor seamlessly

We help you manage and track your active disputes on your Disputes Dashboard.

Prevent future disputes

Our contract templates help you set expectations with your customers ahead of time and avoid disputes.